Fixed benefit insurance for visitors to the USA is an affordable travel health insurance option for international visitors that provides a pre-determined payout for covered medical services, such as doctor visits, emergency room care, or hospital stays. Unlike comprehensive travel insurance plans that cover a percentage of medical expenses, USA fixed benefit visitor insurance pays a set amount per service, helping travelers manage costs upfront.
These low-cost visitor insurance plans in the USA are perfect for short-term visitors to the U.S., seniors traveling to the USA, and budget-conscious tourists who want basic coverage without high premiums.
Travelers should note that if actual medical bills exceed the fixed benefit, they may need to pay the remaining amount out-of-pocket.
Popular options for fixed benefit health insurance for visitors in the USA include plans covering doctor visits, hospital stays, emergency medical care, and minor procedures, making it a simple and predictable choice for international travelers looking for essential coverage during their stay in the United States.
Maximum Coverage
Coverage available from $25,000 to $150,000
PPO network
Through First health care network 
Acute on set of pre-existing conditions
Covered up to policy maximum for ages 89 years
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Evacuation
Unlimited
Repatriation
Up to $25,000 per Policy Period
Cardiac Conditions
Covered
Dental Treatment
$750 per Incident
Maximum Coverage
Coverage available from $25,000 to $100,000
PPO network
Through First health care network
Acute on set of pre-existing conditions
Covered up to policy maximum for ages upto 70 years.
Period of Coverage
5 days 365 days and renewable up to 2 years
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Urgent Care Clinic
$200 max per visit
Prescription
$250 per coverage period
Chemotherapy
$1,350 max per visit
Evacuation
Maximum limit 50,000
Maximum Coverage
Coverage available from $50,000 to $130,000
PPO network
Through United Healthcare network 
Acute on set of pre-existing conditions
Covered up to policy maximum for ages upto 70 years.
Period of Coverage
Available for 364 days, travelers who wish to get extended coverage can renew Visitor Secure insurance online
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period
Prescription Drugs
$300 maximum
Private duty nurse
$700 maximum
Repatriation
$25,000 per member
Evacuation
50,000 lifetime maximum
Maximum Coverage
Coverage available from $25,000 to $175,000
PPO network
Through First health care network
Acute on set of pre-existing conditions
Covered up to policy maximum for ages upto 89 years.
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Prescription drugs
$250 per Incident
Chemotherapy
$1,100 per Incident
Evacuation
$50,000
Repatriation
$7,500 per Policy Period
Maximum Coverage
$50,000 and $150,000 coverages are available
PPO network
Through United Healthcare network 
Acute on set of pre-existing condition
Covered up to $20,000 for under 65 years and $2,500 for 65+
Period of Coverage
5 days to 364 days
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $25 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period
Urgent Care
$50 co-payment
Trip Interruption
Up to $5,000
Repatriation
Equal to the max limit
Evacuation
50,000 lifetime maximum
Maximum Coverage
Coverage available from $25,000 to $150,000
PPO network
Through United Healthcare network
Acute on set of pre-existing conditions
Covered up to policy maximum for ages up to 79 years.
Period of Coverage
Coverage available from 5 days to 364 days and it can be renewed
Cancellation
Before Effective Date: You will receive a full refund of the premium
After Effective Date: A $50 cancellation fee will be charged and the refund will be prorated based on the remaining coverage period.
Prescription drugs
Up to $200 per period of coverage
Surgery
Up to $3,000
Evacuation
$100,000
Emergency dental
up to $500
Anesthetist
Up to $500
Maximum Coverage
Coverage available from $50,000 to $150,000
PPO network
Through United Healthcare network
Pre-existing condition
Not available
Period of Coverage
30 days to 364 days and it can be renewable
Cancellation
Must be submitted 24 hours before the plan start date. There are no exceptions to this policy. Initial INF membership fee of $10 and $5 administration fee is non-refundable You may fax the completed forms to 408-520-4967 or email to support@infplans.com. Incomplete forms or forms without an authorized signature will not be processed. Learn more open_in_new
Chemotherapy
Up to $1,250 maximum
Private Duty Nurse
Up to $5,000
Repatriation
Covers up to $20,000
Evacuation
Covers up to 25,000
Maximum Coverage
Coverage available from $25,000 to $150,000
PPO network
PHCS PPO Network
Acute on set of pre-existing conditions
Covered up to policy maximum for ages up to 70 years.
Period of Coverage
5 days to 364 days
Cancellation
Before Effective Date: Full refund of premium is available
After Effective Date: $25 cancellation fee will be charged by the insurance company.
Chemotherapy
Up to $1,350 maximum
Private Duty Nurse
Up to $750
Repatriation
Covers up to $25,000
Anesthesia
Covers up to $2,000
The cost of fixed benefit visitor insurance in the USA on American Visitor Insurance ranges from $20 to $57 per month. Pricing varies depending on factors such as the age of the visitor, medical maximum coverage, and deductible amount. These affordable visitor insurance plans for the USA are designed to offer essential coverage at a predictable monthly cost.
The average cost of cheap visitor health insurance in the USA is based on quotes for a 40-year-old for a one-month period. Travelers looking for low-cost health insurance for visitors to the USA can choose fixed benefit plans to manage their budget while ensuring basic medical protection during their stay.
| Fixed benefit plans | Policy maximum | Deductible | Cost |
|---|---|---|---|
| Safe Travels Advantage Trawick | $25,000 | $0 | $20 |
| Visitors Care IMG | $25,000 | $100 | $21 |
| Safe Travels Elite WorldTrips | $25,000 | $0 | $26 |
| Visit USA Budget Travel Insure | $50,000 | $250 | $32 |
| VisitorSecure WorldTrips | $50,000 | $100 | $34 |
| Travel Medical USA Visitor Basic Seven Corners | $50,000 | $100 | $42 |
| INF Standard INF | $50,000 | $250 | $57 |
| VenbrookEssential INF | $50,000 | $0 | $40 |
Source: American Visitor Insurance®
The fixed benefit visitor insurance in the USA starts from $20 per month on American Visitor Insurance. The final cost depends on several factors, including the age of the visitor, medical maximum coverage, and deductible amount. These affordable visitor insurance plans for the USA are ideal for travelers looking for low-cost health insurance for visitors to the USA with predictable coverage.
The average cost of fixed benefit visitor insurance in the USA is based on quotes for a one-month plan with a $0 deductible. This provides budget-friendly visitor health insurance for the USA while ensuring essential medical protection for international travelers during their stay.
| Plan name | Maximum coverage | Acute on set of Pre-existing condition coverage | PPO Network | Monthly Cost |
|---|---|---|---|---|
| Safe Travels Advantage Trawick | $25,000 - $150,000 | Up to 89 years | First Health network | $20 - $58 |
| VenbrookEssential INF | $25,000 - $150,000 | Up to 70 years | PHCS network | $26 - $81 |
| Safe Travels Elite WorldTrips | $25,000 - $175,000 | Up to 89 years | First Health network | $26 - $76 |
| Visitors Care IMG | $25,000 - $100,000 | Up to 70 years | United or First Health network | $27 - $58 |
| VisitorSecure WorldTrips | $50,000 - $1,000,000 | Up to 70 years | United Healthcare network | $44 - $80 |
| Travel Medical USA Visitor Basic Seven Corners | $50,000 - $150,000 | Up to 79 years | United Healthcare network | $54 - $67 |
Let us take an example: The medical bill is $25,000; Deductible is $100; and the chosen Policy Maximum is $50,000
The fixed benefit visitor insurance in the USA covers clearly defined amounts for specific medical situations up to the medical maximum coverage (in this example, $50,000). The insured pays the deductible amount ($100), after which the plan pays a fixed sum for each covered treatment as outlined in the policy.
In this example, the insured is responsible for $20,250, which is the difference between the actual billed medical expenses and the fixed amount the insurance plan pays. This simple and predictable payment structure makes fixed benefit health insurance for visitors to the USA an ideal option for budget-conscious international travelers, seniors visiting the USA, and anyone seeking affordable travel medical insurance in the USA.
| Expense | Billed | Insurance pays | You Pay |
|---|---|---|---|
| Deductible | $100 | $0 | $100 |
| Hospital Stay (for 3 days) | $6,000 | $1,450 | $4,550 |
| Surgery | $17,000 | $3,300 | $13,700 |
| Prescription Drugs | $800 | $150 | $650 |
| Diagnostic X-rays & Lab Services | $1,700 | $450 | $1,250 |
| Total: | $25,600 | $5,350 | $20,250 |
* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.
Fixed benefit visitors insurance plans are ideal for travelers seeking affordable travel medical insurance for the USA. These best travel insurance for USA plans provide budget-friendly health coverage for international visitors with clearly defined limits on medical expenses. The individual fixed limits are detailed in the policy brochure and vary depending on the selected plan and insurer.
Travelers can use the comparison tool on this website to choose a plan that best meets their needs.
For example: If you select a fixed benefit plan with a medical maximum of $50,000, the plan will cover only $3,300 for a surgical procedure. For an X-ray, the plan will pay between $300 and $650 depending on the chosen plan maximum.
These plans are also referred to as Scheduled Benefit Insurance Plans or limited coverage visitor insurance. Typically, these low-cost visitor insurance plans in the USA are much cheaper than Comprehensive coverage Insurance Plans but come with lower benefit limits. They are ideal for budget-conscious travelers or short-term visitors to the USA who need essential medical protection at an affordable price.
| Plan Name | Hospital & Surgery Coverage | Prescription & Outpatient Benefits | Evacuation & Repatriation | Pre-existing (Acute Onset) | PPO Network |
|---|---|---|---|---|---|
 |
Room & board up to $1,400 per day, ICU up to $1,600/day; surgery up to schedule limit | Urgent Care: $200/visit; Prescription: $250 per coverage period; Chemotherapy: $1,350/visit | Evacuation: up to $50,000 | Covered up to age 70 (acute onset only) | |
 |
Hospital room & board up to $825/day, surgery up to $3,300; ICU up to $1,650/day | Prescription drugs: $300 max; Private duty nurse: $700 max | Evacuation: $50,000 lifetime; Repatriation: $25,000 per member | Covered up to age 70 (acute onset only) | |
 |
Inpatient hospital coverage up to policy maximum, depending on schedule | Doctor visits & outpatient services: fixed benefits per schedule | Evacuation: included up to policy limit | Covered up to age 89 (acute onset) | |
|
Hospital & surgical coverage per fixed schedule, typically higher than Advantage | Outpatient treatment & diagnostics per schedule | Evacuation: up to policy maximum | Covered up to age 89 (acute onset) | |
 |
Inpatient coverage up to policy maximum; per-service limits listed in plan | Outpatient, urgent care, and prescription up to schedule | Evacuation: covered per benefit schedule | Covered up to age 70 | Part of PHCS network |
 |
Hospital stay and surgery per schedule (varies by selected limit) | Outpatient visits & labs per fixed benefit schedule | Evacuation: up to $50,000 | Covered up to age 79 | |
Fixed Plans Have Pre-Set (Fixed) Benefit Limits
In a fixed plan, every medical service (doctor visit, hospital room, surgery, etc.) has a fixed payout limit — for example:
Those dollar amounts are fixed, regardless of what you actually spend.
Maximum Coverage (the $50,000, $100,000, etc.) Isn’t Always Meaningful
Many people assume that if you buy a plan with a higher “maximum” (say, $100,000 instead of $50,000), you’re doubling your protection.
But in fixed benefit plans, that’s not always true — because the per-service caps often stay the same.
So, even if your policy says $100,000 total, the insurer might still only pay:
Meaning your out-of-pocket costs don’t really change.
In the Safe Travels Elite Diamond plan:
So, buying the $100,000 (“Diamond Plus”) plan doesn’t give real extra value — you’re paying more, but benefit caps don’t rise.
“I only recommend the $50,000 Diamond plan … because it’s one of the only fixed plans that does NOT increase the caps on coverage with an increase in maximum (and you pay double the price).”
“This is NOT true with other plans”
In contrast, with other fixed plans — like Safe Travels Advantage (ST Advantage) — when you increase the maximum (e.g., from $50,000 → $100,000), the per-benefit caps do increase too.
So you actually get more real protection for the higher premium.
| Plan Type | What Happens When You Increase Max Limit | Worth Paying More? |
|---|---|---|
| Safe Travels Elite Diamond | Per-service caps don’t increase | ❌ No — stick to $50,000 |
| Safe Travels Advantage | Per-service caps increase proportionally | ✅ Yes, higher max gives more real coverage |
| Pros | Cons |
| Affordable Premiums: Fixed benefit plans are generally cheaper than comprehensive travel insurance, making them ideal for budget-conscious international travelers or short-term visitors to the USA. | Limited Coverage Amounts: Fixed payouts may not cover the full cost of treatment, especially in the U.S., leading to out-of-pocket expenses for medical bills exceeding plan limits. |
| Simple Benefit Structure: Clearly listed payouts for each service make it easy to understand what you’ll be reimbursed for with fixed benefit visitor insurance in the USA. | No Percentage-Based Reimbursement: Unlike comprehensive plans covering 80–100% of expenses, fixed benefit plans cap each service without flexibility. |
| Quick and Easy Enrollment: No medical exams or complex paperwork—many low-cost travel insurance plans can be purchased instantly online. | Not Ideal for Serious Medical Needs: Limited coverage may not be sufficient for hospital stays, surgeries, or emergency care. |
| Good for Healthy Travelers: Suitable for those expecting minimal medical care who want basic emergency coverage. | Minimal Extras: Often lacks trip cancellation, lost baggage, or comprehensive pre-existing condition benefits. |
A PPO network (Preferred Provider Organization) plan refers to a group of doctors, hospitals, and medical facilities that offer medical services at discounted, pre-negotiated rates. When you purchase a travel medical insurance plan through American Visitor Insurance, you can access these in-network providers for lower medical costs, smoother billing, and in many cases, direct or cashless payment options.
Even though fixed benefit plans pay a pre-set amount for each covered medical service, using the PPO network reduces your out-of-pocket expenses and ensures you receive quality care during your stay in the United States. This makes PPO-enabled fixed coverage plans from American Visitor Insurance a practical and affordable choice for international travelers.
For fixed coverage plans without a PPO network, direct billing is not guaranteed. Medical providers may choose to bill the insurance company directly using the policy details you share with them, but it is entirely up to the provider whether they bill the insurer or request payment from you at the time of service.
If the provider asks you to pay at the time of service, you can submit a Claim Form to receive reimbursement. For larger medical expenses such as hospitalization or surgery the claims administrator can often arrange direct payment to the medical facility once the treatment is confirmed as an eligible expense.
Even when the provider agrees to bill the insurance company, you should still file a Claim Form to authorize the release of medical records and help speed up claim processing. All claims are processed within the United States for reliable and efficient service.
Fixed benefit plans typically do not include a PPO network because they pay set amounts for each medical service rather than a percentage of the bill. If you want PPO network access, you would need to choose a different plan type, as fixed plans are designed for lower premiums and basic scheduled coverage.
Generally, fixed benefit travel insurance for visitors to the USA does not cover pre-existing conditions. These plans provide limited, emergency-based coverage and usually exclude medical conditions existing before the policy start.
Some plans may offer minimal coverage for the acute onset of pre-existing conditions, meaning a sudden, unexpected recurrence, but this is typically limited by age and specific policy terms.
If your medical expenses exceed the fixed benefit limits, you are responsible for the difference out-of-pocket. For example, if your plan covers $300 for an emergency room visit but the actual cost is $800, you must pay the remaining $500.
Fixed benefit visitor insurance USA plans reimburse only up to the pre-set amount listed in the policy schedule. Understanding benefit limits is especially important when traveling to countries with high healthcare costs like the U.S.
The best fixed benefit insurance plans for individuals, including seniors, provide essential medical coverage at lower premiums, making them ideal for short-term stays in the USA. Top-rated options include UnitedHealthcare’s fixed indemnity plans, VisitorSecure, and Safe Travels Elite.
These plans are especially suitable for elderly travelers visiting the USA due to affordability and basic emergency coverage, though they come with fixed benefit limits.
Travel medical insurance for seniors over 50 years
Know more »Visitor medical insurance for travelers above 60 years
Know more »Best travel insurance for over 65s
Know more »US Visitors insurance for travelers above 70 years
Know more »Visitor medical insurance for travelers above 75 years
Know more »Visitor health Insurance for travelers above 80 years
Know more »US Visitors insurance for travelers above 90 years
Know more »US Travel medical insurance for older travelers
Know more »Yes. Visitors, tourists, students, and others can buy visitor health insurance in the USA. We recommend purchasing travel insurance for visitors from the day they leave their home country until they return. Most insurance companies also allow you to buy coverage after your journey has already started.
Visitor or travel medical insurance covers unexpected medical expenses during your trip. Many USA visitor insurance plans also cover baggage loss, trip delays, and other travel-related issues. Since these plans are designed for emergencies, you can usually visit any doctor or hospital. For non-emergency care, staying in-network (if applicable) may help reduce out-of-pocket costs.
Visitor Insurance USA is travel insurance for international visitors traveling to the US. It provides coverage for unexpected health care expenses caused by accidents or sickness. Travelers can compare and buy the best US travel insurance plans on American Visitor Insurance to ensure they get adequate medical protection while visiting the United States.
Often, health insurance from your home country will not cover you while traveling abroad. If you visit a country with high medical costs such as the USA, Canada, or Japan, purchasing international travel insurance for tourists is highly recommended. This helps defray medical costs and often includes additional travel benefits such as trip delay, trip interruption, or baggage loss coverage.
Tourists can visit urgent care clinics, make appointments at a doctor’s office, or go to a hospital if necessary. However, all medical expenses must be paid out-of-pocket without insurance. This is why we strongly recommend purchasing US tourist health insurance or visitor medical insurance in the USA for the entire duration of your stay.
Differences between Limited and Comprehensive benefit travel medical insurance plans for visitors.
Read more »Eligibility for buying visitors insurance when travelling to USA.
Read more »Difference between urgent and Emergency care in US.
Read more »Compare differences between fixed and comprehensive visitor insurance plans.
Read more »Best of the Best Coverage for Pre-existing Medical Conditions
Read more »IMG Visitors insurance protects one in the event of unexpected illness or injury while traveling outside the country.
Read more »It is the fixed benefit plan offered by WorldTrips for international visitors traveling overseas and for US citizens traveling outside of the US.
Read more »Visitor insurance resources
Choose fixed visitors travel insurance for medical emergency while outside your home country.
Compare visitors insurance factors
Important factors while deciding on the best fixed travel insurance for USA.
Comprehensive travel insurance online
Understanding different types of fixed travel health insurance plans.
Travel insurance Claims Procedure
Fixed travel insurance online claims process for getting medical care in a hospital.
